name: Shelter
description: >-
  Shelter is a read-only AI money guardian from Nextaura Labs that connects to a user's financial
  accounts through Plaid and publishes a 30-day cash-flow forecast, safe-to-spend and affordability
  checks, bill and subscription detection, and low-balance alerts. Its agent surface is an official
  open-source MCP server (npm @shelter.money/mcp, ten read-only tools with an MCP-registry
  server.json) backed by a scoped-API-key Agent API; the documented API host api.shelter.money was
  NXDOMAIN at probe time (2026-09-07), so the live API could not be reached.
url: https://raw.githubusercontent.com/api-evangelist/shelter-money/refs/heads/main/apis.yml
created: '2026-09-07'
modified: '2026-09-07'
specificationVersion: '0.21'
tags:
- Personal Finance
- Budgeting
- Fintech
- MCP
- AI Agents
- Cash Flow Forecasting
apis:
- name: Shelter MCP
  description: >-
    Official read-only MCP agent surface for the Shelter budgeting product — ten tools covering
    status, runway, forecast, alerts, opportunities, context, affordability, coaching, and Guardian
    Q&A, shipped as the open-source npm package @shelter.money/mcp (stdio transport) and
    authenticated with a scoped API key. The declared backing base https://api.shelter.money/agent
    is the provider's own documented default (SHELTER_API_URL), but the host did not resolve
    (NXDOMAIN) when probed on 2026-09-07.
  humanURL: https://shelter.money/developers
  baseURL: https://api.shelter.money/agent
  tags:
  - MCP
  - Personal Finance
  properties:
  - type: Documentation
    url: https://shelter.money/developers
  - type: SourceCode
    url: https://github.com/nextauralabs/shelter-mcp
  - type: MCPServer
    url: mcp/shelter-money-mcp.yml
  - type: Authentication
    url: authentication/shelter-money-authentication.yml
  - type: RateLimits
    url: rate-limits/shelter-money-rate-limits.yml
  - type: Conventions
    url: conventions/shelter-money-conventions.yml
  - type: Conformance
    url: conformance/shelter-money-conformance.yml
common:
- type: Website
  url: https://shelter.money
- type: DeveloperPortal
  url: https://shelter.money/developers
- type: WellKnown
  url: well-known/shelter-money-well-known.yml
- type: SecurityTxt
  url: well-known/shelter-money-security.txt
- type: LLMsTxt
  url: llms/shelter-money-llms.txt
- type: Security
  url: security/shelter-money-vulnerability-disclosure.yml
- type: VulnerabilityDisclosure
  url: security/shelter-money-vulnerability-disclosure.yml
- type: TrustCenter
  url: security/shelter-money-trust-center.yml
- type: DomainSecurity
  url: security/shelter-money-domain-security.yml
- type: Packages
  url: packages/shelter-money-packages.yml
- type: SDKs
  url: packages/shelter-money-packages.yml
- type: Plans
  url: plans/shelter-money-plans-pricing.yml
- type: Pricing
  url: https://shelter.money/pricing
- type: Support
  url: https://shelter.money/support
- type: Blog
  url: https://shelter.money/blog
- type: PrivacyPolicy
  url: https://shelter.money/privacy
- type: TermsOfService
  url: https://shelter.money/terms
- type: SignUp
  url: https://shelter.money/sign-up
- type: GitHubOrganization
  url: https://github.com/nextauralabs
maintainers:
- FN: Shelter (Nextaura Labs)
  url: https://shelter.money
  email: support@shelter.money
x-coverage:
  state: covered
  detail: >-
    Real provider artifacts were found and saved — security.txt, llms.txt, the official MCP server
    (npm @shelter.money/mcp 1.0.7 with an MCP-registry server.json), published rate limits,
    pricing, and auth docs; the one wall remaining is that the documented Agent API host
    api.shelter.money is NXDOMAIN, so no live contract could be harvested or introspected.
  evidence:
  - url: https://shelter.money/.well-known/security.txt
    status: 200
  - url: https://shelter.money/llms.txt
    status: 200
  - url: https://shelter.money/developers
    status: 200
  - url: https://registry.npmjs.org/@shelter.money%2fmcp
    status: 200
  - url: https://api.shelter.money/agent
    status: 0
    note: NXDOMAIN — no A/AAAA/CNAME record, verified against 1.1.1.1
  checked: '2026-09-07'
x-source:
  via: apis.io/add 58ed6e7b, parked no_consumable_surface; listed by Kin 2026-09-07 on what is served
  fetched: '2026-09-07'
  note: >-
    No OpenAPI/spec is served and none was reconstructed. The MCP tool surface was read from the
    provider's published sources (github.com/nextauralabs/shelter-mcp). When api.shelter.money
    answers, re-probe and harvest the real thing.
x-enrichment:
  date: '2026-09-07'
  status: enriched
  artifacts_added: 13
  pass: local-v3